It is a great idea for the adoption but our wallets is already serving as our banks. With this type of idea, we will be taxed by the bank and we will be charged for using their service. If this is going to happen, I will be glad that it is really happening but there's no way for me to use their service or maybe if I'm desperate in need of bitcoin.
Bitcoin banks could be a great idea and actually there are already some moves to create it. The problem with banks is not with banks at all but with the rules and policies that they have. And so if we were to create and accept and use a bitcoin bank we must also secure that the policies made to be used in that banks will be pro-user and not a profit oriented principle that only the banking owners will enjoy.